Chip Lupo, Credit Card Writer
@CLoop
The credit card that gives you the highest available credit is the Chase Sapphire Preferred® Card because it reportedly offers a maximum credit limit of $100,000. Chase Sapphire Preferred reserves its maximum credit limit for the highest-income individuals with good credit or better, though. Applicants who are approved for an account will receive a starting credit limit of at least $5,000.
It’s worth noting that available credit is the amount of your credit limit you have left to spend, so if you want to have a lot of credit available, you need to find the right card and then use it responsibly. Other credit cards rumored to offer high credit limits include Chase Sapphire Reserve®, which has purportedly approved credit limits as high as $100,000, and the Bank of America® Customized Cash Rewards credit card with a rumored maximum limit around $95,000.
Popular Credit Cards with High Credit Limits
- Rates & Fees Best Overall: Chase Sapphire Preferred® CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Best Overall: Chase Sapphire Preferred® CardLearn MoreLearn Moreon issuer's website
- Best Overall: Chase Sapphire Preferred® CardLearn MoreLearn More
- Rates & Fees Travel Perks: Chase Sapphire Reserve®Learn MoreLearn Moreon issuer's website
- Rates & Fees Travel Perks: Chase Sapphire Reserve®Learn MoreLearn Moreon issuer's website
- Travel Perks: Chase Sapphire Reserve®Learn MoreLearn More
- Hotels: The World of Hyatt Credit CardLearn MoreLearn More
- Hotels: The World of Hyatt Credit CardLearn MoreLearn Moreon issuer's website
- Hotels: The World of Hyatt Credit CardLearn MoreLearn More
- Airlines: United℠ Explorer CardLearn MoreLearn More
- Airlines: United℠ Explorer CardLearn MoreLearn Moreon issuer's website
- Airlines: United℠ Explorer CardLearn MoreLearn More
- Business: Ink Business Preferred® Credit CardLearn MoreLearn More
- Business: Ink Business Preferred® Credit CardLearn MoreLearn Moreon issuer's website
- Business: Ink Business Preferred® Credit CardLearn MoreLearn More
- Best Overall:
- Travel Perks:
- Hotels:
- Airlines:
- Business:
Your ability to qualify for a high credit card limit depends on your income, outstanding debt, and overall creditworthiness. To see where your credit stands, you can check your credit score for free through your WalletHub account. In addition, you can always see your available credit on your monthly credit card statement or by logging in to your online credit card account.
People also ask
How do I get a $100K credit limit?
To get a $100K credit limit from a credit card, you’ll need to have an excellent credit score, a lot of income and little debt. You will also need to pick a credit card that is known for offering high credit limits to well-qualified applicants. If you don't get approved for a high enough limit initially, you may have to request a credit limit increase after using the card responsibly for several months.
How...
read full answer by Bianca Smith, WalletHub Credit Cards AnalystCan I get a credit card with a $5,000 limit?
You can get a credit card with a $5,000 limit if you have good to excellent credit, a high income and minimal debt. For example, the Chase Sapphire Preferred® Card is a premium card that offers a credit limit of $5,000 or higher.
Even if your credit score is at the low end, there still is a possibility to get a $5,000 limit. In this case, you will probably have to apply for a secured credit card that...
read full answer by Maria Adams, Credit Cards ModeratorWhat is the typical credit limit granted with a 700 credit score?
It's really hard to pinpoint what credit limit you'll be granted with a credit score of 700. But since it's good credit, you maybe able to get as high as a $5,000 limit.
A credit score of 750+, which is excellent credit, should put you in the $10,000 limit zone. But that’s not a given. And your credit standing isn’t the only factor that affects your ability to get a high credit limit.
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